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Bankruptcy Attorneys in Indianapolis Since 1980

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Stop Harassment by Creditors

Common Reasons People File for Bankruptcy

October 5, 2016 By TomScottLaw

Uninsured medical bills resulting in lawsuits and threats of legal action or garnishment are common reasons for bankruptcy these days. Divorce is also a reason for many bankruptcies—a high percentage of the people who file for bankruptcy protection are single mothers. In a Chapter 13 bankruptcy, a conduit case refers to making mortgage payments through […]

Filed Under: Chapter 13, Medical Bills, Stop Harassment by Creditors, Wage Garnishment

Can I stop bill collectors from calling me?

July 5, 2013 By TomScottLaw

The moment a bankruptcy case is filed the law requires that creditors stop all collection activity including telephone calls, billings, garnishments, freezing bank accounts, and all lawsuits and foreclosures. If a case has not been filed then the only law that may decrease the frequency of collector calls is the Federal Fair Debt Collection Practices […]

Filed Under: Creditors, Questions About Bankruptcy, Stop Harassment by Creditors

Can I keep my car or truck?

July 5, 2013 By TomScottLaw

Yes, there are several different chapters of bankruptcy and we will make sure that you are able to keep your vehicle whether you are current on payments, whether you are behind on payments, or even if you own it outright. A vehicle is necessary for your “fresh start” and both courts and creditors agree that […]

Filed Under: Property & Asset Protection, Questions About Bankruptcy, Stop Harassment by Creditors, Vehicles

Can I eliminate my credit card debt?

July 5, 2013 By TomScottLaw

Yes, upon completion of a bankruptcy your credit card debt will be discharged (meaning that you no longer owe the debt). We have helped tens of thousands of Hoosiers eliminate credit card debt.

Filed Under: Credit Card Debt, Creditors, Questions About Bankruptcy, Stop Harassment by Creditors

Can I discharge medical bills?

July 5, 2013 By TomScottLaw

Yes, just like credit cards, the successful completion of a bankruptcy will discharge medical bills. A very high percentage of our clients feel overwhelmed by medical bill collectors and need relief offered by bankruptcy to stop the collection and get rid of that debt. Related articles: Creditors

Filed Under: Creditors, Medical Bills, Questions About Bankruptcy, Stop Harassment by Creditors

Can I discharge federal, state, or local taxes?

July 5, 2013 By TomScottLaw

Under limited conditions, you may be able to discharge some taxes you owe, but you need to carefully determine if your tax debt actually meets those conditions. If you have tax debt and are considering filing for bankruptcy, you should definitely contact us or consult with another bankruptcy attorney.

Filed Under: Creditors, Questions About Bankruptcy, Stop Harassment by Creditors, Taxes

What if I’ve been sued for overdue debt?

July 5, 2013 By TomScottLaw

If you have been sued for an overdue debt, you can presume that the creditor will try to get a judgment on that suit as quickly as possible. Once a judgment is entered, there will automatically be a judgment lien on any real estate that you own in the county of the suit, you will […]

Filed Under: Credit Score, Creditors, Misperceptions, Personal Bankruptcy in Indiana, Property & Asset Protection, Questions About Bankruptcy, Stop Harassment by Creditors

Can I discharge student loans?

July 4, 2013 By TomScottLaw

Most bills, including student loans, will be discharged by a Chapter 13 bankruptcy (wage earner plan where you pay your bills.) In Chapter 7 bankruptcy, not all bills can be discharged. Unfortunately, a student loan is one of the few types of debts that cannot be discharged by a Chapter 7 bankruptcy. For immediate assistance, […]

Filed Under: Creditors, Questions About Bankruptcy, Stop Harassment by Creditors, Student Loans

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Indianapolis, IN 46227
Phone: 317-786-6113

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EAST INDIANAPOLIS OFFICE
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Indianapolis, IN 46219
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  *Disclosure required by 11 U.S.C. § 528(a)(3): We, the law office of Tom Scott & Associates, P.C., are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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